Second Home Insurance

Many home insurance policies don t cover homes that are unoccupied for more than 30 days.

Second home insurance. Whether your second home is a seaside bungalow or a cabin in the woods you re going to need homeowners insurance to protect the home and your personal belongings. This is because there s likely to be a higher risk of theft or of damage going unseen. Standard homeowners insurance policies for second homes can help protect from damages caused by a variety of events such as fire lightning and wind. If you own a second home you ll know that you simply can t be there to protect your property all of the time which can leave your house susceptible to risks.

Insurance for second homes and vacation homes is typically written on a named perils basis says the naic. This is because a second home is typically not occupied as your full time residence and for example you might not keep valuable contents there year round. Home insurance for second homes left unoccupied. Second home insurance might use a different policy but it covers the same main things as regular home insurance.

At the hartford we re here to help if your second home is damaged by a covered event offering. This covers the full cost of rebuilding your home from the ground up including materials and labour but not the value of the land it s built on.